What is one potential outcome of accepting a loan with hidden fees?

Accepting a loan with hidden fees can lead to a higher total repayment amount. This is because hidden fees may not be reflected in the initial terms of the loan, meaning that the borrower could end up paying more over time than they originally anticipated. These fees can include origination fees, prepayment penalties, or other charges that are not disclosed upfront. As a result, while the initial loan amount might seem manageable, the total cost can significantly increase when these additional expenses are accounted for, impacting the borrower's financial situation in the long run.

Lower monthly payments, more accessible loan options, and less paperwork may have their own implications, but they do not directly contribute to the overall cost of repaying the loan, making those choices less relevant in the context of the consequences of hidden fees.